What is a group/employer plan?

What is a group/employer plan?
These types of plans are available to you through your place of employment if your employer offers this benefit. Most employers that offer their employees health insurance make you wait until 30 or 60 or 90 days after you've become employed before you can get on the plan.
By state law (and some states may vary), benefits are a little different on group plans than they are on individual plans. For example, most individual plans do not include maternity benefits, but almost all group plans do. Mental health benefits are not usually covered very well on individual plans, but on most group plans, mental health benefits are treated like any other illness. Almost all group plans will cover your pre-existing conditions as soon as you become included on the plan, and with no waiting period. This means that if you have a heart condition and get a job that provides you with health insurance benefits, you could have a heart attack the day you become covered and those medical bills will be covered by the group insurance policy.
By law, your employer is required to pay at least 50% of your monthly premium. Some employers may pay all of your premium, but they don't have to. Your employer is not required to pay any of your spouse or children's premium — most companies do not pay any of this amount, but some employers will.